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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $28,285 |
STRATEGIC ADVISORS, INC.2 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $5,739 |
Service code 37 · EIN 04-2647786 | Loan Processing | $5,219 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,343 | $78,636+91.2% | $105,607+42.4% | $74,459+101.9% |
| Participation rate | 63.5% | 72.8%-9.3pp | 75.3%-11.8pp | 67.2%-3.8pp |
| Annual return | 11.05% | 15.96%-4.9pp | 116.11%-105.1pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $1,806 | $2,523-28.4% | $3,167-43.0% | $2,626-31.2% |
| Participant deferral / active EE | $4,908 | $4,322+13.6% | $5,011-2.1% | $4,350+12.8% |
| Admin fee / account holder | $370 | $2,220-83.3% | $10,958-96.6% | $1,945-81.0% |